Home Mortgage Disclosure Act Aggregated Statistics

3457 Originated: 198 FHA, FSA/RHS & VA Loans for an average of $146,616, 936 Conventional for an average of $145,157, 1869 Refinancings for an average of $134,974, 263 Home Improvement for an average of $47,787, 4 Loans on Dwellings For 5+ Families for an average of $136,250, 173 Non-occupant Loans on < 5 Family Dwellings for an average of $136,815, 14 Loans On Manufactured Home Dwelling for an average of $94,714

449 Applications approved - not accepted: 11 FHA, FSA/RHS & VA for an average of $157,818, 114 Conventional Home Purchase for an average of $143,544, 246 Refinancings for an average of $131,520, 56 Home Improvement for an average of $41,714, 18 Non-occupant Loans on < 5 Family Dwellings for an average of $150,389, 4 Loans On Manufactured Home Dwelling for an average of $51,250

1072 Denied loans: 14 FHA, FSA/RHS & VA for an average of $152,286, 145 Conventional for an average of $130,917, 711 Refinancings for an average of $140,287, 152 Home Improvement for an average of $48,520, 32 Non-occupant Loans on < 5 Family Dwellings for an average of $143,063, 18 Loans On Manufactured Home Dwelling for an average of $65,389

651 Loans withdrawn: 8 FHA, FSA/RHS & VA Loans for an average of $154,250, 79 Conventional Home Purchase Loans for an average of $140,519, 507 Refinancings for an average of $138,765, 37 Home Improvement Loans for an average of $62,378, 19 Non-occupant Loans on < 5 Family Dwellings for an average of $120,053, 1 Loan On Manufactured Home Dwelling for $117,000

97 Applications closed for incompleteness: 3 FHA, FSA/RHS & VA Home Purchase Loans for an average of $151,000, 9 Conventional Home Purchase Loans for an average of $141,444, 73 Refinancings for an average of $141,753, 6 Home Improvement Loans for an average of $97,000, 5 Non-occupant Loans on < 5 Family Dwellings for an average of $151,200, 1 Loan On Manufactured Home Dwelling for $136,000

Compared to the state average:

The number of loans originated per 1000 residents (848) is significantly above ME average (284). The average loan value for this tract ($131,695) is comparable to the state average ($143,297).

The number of loans not accepted per 1000 residents (110) is significantly above ME average (33). The average loan value for this tract ($124,058) is comparable to the state average ($140,246).

The number of loans denied per 1000 residents (263) is significantly above ME average (90). The average loan value for this tract ($124,990) is comparable to the state average ($129,727).

The number of loans withdrawn per 1000 residents (160) is significantly above ME average (51). The average loan value for this tract ($134,247) is comparable to the state average ($145,175).

The number of loans closed per 1000 residents (24) is significantly above ME average (10). The average loan value for this tract ($139,670) is comparable to the state average ($159,578).

HMDA - Loans Count

HMDA - Average Loan Value ($)

Private Mortgage Insurance Companies Aggregated Statistics

360 Loans originated: 218 Conventional Home Purchase Loans for an average of $169,619, 132 Refinancings for an average of $178,856, 8 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $190,375, 2 Loans On Manufactured Home Dwelling (A & B) for an average of $115,000

68 Loans approved, not accepted: 33 Conventional Home Purchase Loans for an average of $177,545, 34 Refinancings for an average of $188,529, 1 Non-occupant Loan on < 5 Family Dwelling (A & B) for $131,000

23 Applications denied: 11 Conventional Home Purchase Loans for an average of $164,000, 7 Refinancings for an average of $154,000, 5 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $209,200

25 Withdrawn loans: 9 Conventional for an average of $189,333, 13 Refinancings for an average of $168,615, 3 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $178,333

4 Closed for incompleteness: 2 Conventional Home Purchase for an average of $110,500, 1 Refinancing for $150,000, 1 Non-occupant Loan on < 5 Family Dwelling (A & B) for $150,000

PMIC - Loans Count

PMIC - Average Loan Value ($)

Private Mortgage Insurance Companies Disclosure Statistics

Radian Guaranty:

6 Loans originated: 4 Conventional Home Purchase Loans for an average of $122,750, 2 Refinancings for an average of $126,000

Conventional Home Purchase Loan Applications approved but not accepted for $96,000

Conventional Home Purchase Loan Applications denied for $95,000

Genworth Financial:

Refinancing Originated for $91,000

Mortgage Guaranty Insurance:

7 Originated: 4 Conventional Home Purchase Loans for an average of $90,500, 3 Refinancings for an average of $102,667

PMI Mortgage Insurance:

5 Conventional Home Purchase Loans Loans originated for an average of $117,200

Conventional Home Purchase Loan Denied for $109,000

Republic Mortgage Insurance:

4 Loans originated: Conventional Home Purchase Loan for $104,000, 3 Refinancings for an average of $113,000

United Guaranty Corporation:

3 Originated: 2 Conventional Home Purchase Loans for an average of $150,000, Refinancing for $110,000

Triad Guaranty Insurance:

Conventional Home Purchase Loan originated for $248,000

CMG Mortgage Insurance:

2 Conventional Home Purchase Loans Loans originated for an average of $249,000

Home Mortgage Disclosure Act Statistics for Cumberland County, Maine, Tract 0048.02 - Office of the Comptroller of the Currency (OCC)

WACHOVIA BANK NA (NC):

5 Refinancings originated for an average of $122,000

JPMORGAN CHASE BANK (OH):

Home Improvement Loan denied for $70,000

US BANK, N.A. (OH):

2 Refinancings originated for an average of $91,000

FIRST NATIONAL BANK OF CC (PA):

Refinancing originated for $196,000

3 Approved applications - not accepted: 2 Refinancings for an average of $190,000, 1 Non-occupant Loan on < 5 Family Dwelling for $188,000

FLEET NATIONAL BANK (RI):

15 Originated: 4 Conventional Home Purchase Loans for an average of $154,750, 5 Refinancings for an average of $30,400, 6 Home Improvement for an average of $18,000

2 Home Improvement Loans Approved - not accepted for an average of $19,500

8 Denied loans: 1 FHA, FSA/RHS & VA for $88,000, 3 Refinancings for an average of $19,333, 4 Home Improvement for an average of $68,500

Home Improvement Loan Withdrawn for $25,000

Refinancing Closed for incompleteness for $64,000

FIRST TENNESSEE BANK NA (TN):

Home Improvement Loan Denied for $10,000

NATIONAL CITY BANK (OH):

7 Loans originated: 2 Conventional for an average of $69,500, 3 Refinancings for an average of $134,333, 1 Home Improvement Loan for $165,000, 1 Non-occupant Loan on < 5 Family Dwelling for $98,000

2 Refinancings Approved - not accepted for an average of $114,500

NATIONAL CITY BANK OF INDIANA (IN):

9 Originated: 1 FHA, FSA/RHS & VA Home Purchase Loan for $178,000, 3 Conventional Home Purchase Loans for an average of $182,000, 5 Refinancings for an average of $140,400

Refinancing Denied for $90,000

Conventional Home Purchase Loan withdrawn for $241,000

PNC BANK, NA (PA):

Refinancing Originated for $21,000

CITIBANK, N.A. (NV):

4 Loans originated: 3 Refinancings for an average of $56,667, 1 Home Improvement Loan for $30,000

Refinancing Denied for $52,000

Refinancing withdrawn for $53,000

WELLS FARGO BANK, NA (SD):

11 Originated: 3 Conventional Home Purchase Loans for an average of $148,667, 8 Refinancings for an average of $106,625

3 Denied applications: 1 Conventional for $143,000, 2 Refinancings for an average of $180,000

CAMDEN NATIONAL BANK (ME):

Conventional Home Purchase Loan Originated for $100,000

WELLS FARGO BANK WEST, NA (CO):

3 Originated: 1 Conventional for $32,000, 2 Refinancings for an average of $17,500

NBANK, N.A. (GA):

Refinancing originated for $105,000

BANK OF AMERICA, N.A. (NC):

2 Conventional Home Purchase Loans Originated for an average of $158,000

CAPITAL ONE NA (LA):

Home Improvement Loan Denied for $5,000

KEYBANK NATIONAL ASSOCIATION (OH):

5 Originated: 3 Conventional for an average of $80,000, 2 Home Improvement for an average of $3,000

ADVANTA NATIONAL BANK (DE):

2 Denied: 1 Refinancing for $116,000, 1 Home Improvement for $30,000

VALLEY NATIONAL BANK (NJ):

Conventional Home Purchase Loan Originated for $289,000

WACHOVIA BANK OF DELAWARE (DE):

Refinancing Denied for $48,000

FIRST MASSACHUSETTS BANK, N.A. (MA):

11 Originated: 1 FHA, FSA/RHS & VA for $92,000, 6 Conventional Home Purchase for an average of $80,667, 4 Refinancings for an average of $109,750

3 Loans approved but not accepted: 1 FHA, FSA/RHS & VA for $116,000, 2 Conventional Home Purchase Loans for an average of $127,000

24 Originated: 1 FHA, FSA/RHS & VA Home Purchase Loan for $233,000, 5 Conventional Home Purchase Loans for an average of $110,000, 16 Refinancings for an average of $122,563, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $70,500

6 Approved loans, not accepted: 1 Conventional for $152,000, 4 Refinancings for an average of $235,750, 1 Non-occupant Loan on < 5 Family Dwelling for $152,000

7 Loans originated: 6 Refinancings for an average of $133,833, 1 Home Improvement Loan for $4,000

4 Home Improvement Loans Denied for an average of $8,500

4 Home Improvement Loans withdrawn for an average of $40,500

DECISION ONE MORTGAGE (NC):

Refinancing originated for $38,000

ACCUBANC MORTGAGE CORPORATION (TX):

2 Refinancings originated for an average of $91,500

FEC MORTGAGE CORPORATION (MA):

Refinancing originated for $77,000

7 Refinancings Denied for an average of $66,286

16 Loans withdrawn: 15 Refinancings for an average of $100,667, 1 Non-occupant Loan on < 5 Family Dwelling for $85,000

EMMCO, LLC (SC):

2 Refinancings denied for an average of $111,500

HOMEGOLD, INC. (SC):

Conventional Home Purchase Loan Originated for $48,000

4 Refinancings Denied for an average of $70,000

2 Refinancings Closed for incompleteness for an average of $84,500

COUNTRYWIDE HOME LOANS (CA):

8 Loans originated: 2 FHA, FSA/RHS & VA Home Purchase Loans for an average of $100,000, 1 Conventional for $168,000, 4 Refinancings for an average of $85,750, 1 Non-occupant Loan on < 5 Family Dwelling for $65,000